Monroe County property record for 438 Caribbean Dr, Key Largo, FL 33037
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 2,520 sqft · built 1981 |
| Lot Size | 0.215 acres (9,350 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $1,650,000 (Aug 2022) |
| Tax Bill | $14,884 (2025) |
| Deeds & Mortgages | Aug 2022 Sale & Mortgage |
| Flood Zone | Zone AE (high risk) |
| APN | 00453475-005400 |
| Primary APN | 00453475-005400 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 2 Stories |
| Building Area | 2,520 sqft Living Area |
| 1st Floor Area | 2,520 sqft |
| Flooring | Ceramic Tile |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1981 |
|---|---|
| Effective Year Built | Effective 2018 |
| Exterior Material | Concrete Block |
| Construction Type | Concrete Block |
| Roof Type | Gable/Hip |
| Roof Material | Asphalt |
| Lot Area | 9,350 sqft (0.215 acres) |
| Lot Dimensions | 110 ft deep x 85 ft wide |
| View / Lot | Canal |
| Garage Type | Covered |
| Garage Area | 540 sqft |
| Porch | Slab |
|---|---|
| Porch Area | 1,297 sqft |
| Deck Area | 504 sqft |
| Patio Area | 204 sqft |
| Boat Access | Boat Access |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Account Number | 1555631 |
|---|---|
| Street Address | 438 CARIBBEAN DR |
| City | KEY LARGO |
| State | FL |
| Zip | 33037-4335 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | IS |
| Legal Description | LT 438 PORT LARGO FIFTH ADDITION KEY LARGO PB6-109 OR796-2450 OR802-1555 OR811-2085 OR833-602 OR2656-2321D/C OR3190-2216 |
| Legal Range | 39E |
| Legal Township | 61S |
| Legal Section | 33 |
| Legal Subdivision | PORT LARGO 5TH ADD |
| Legal Lot Number | 438 |
| Jurisdiction | MONROE FL |
| Township / Civil Division | UPPER KEYS |
| Census Block Group | 2 |
| Census Block | 2015 |
| Census Tract | 970500 |
Source: NPS National Register of Historic Places, as of August 1, 2026
| Listed Area | Within John Pennekamp Coral Reef State Park and Reserve listed 1972 · 10 contributing resources · NRIS 72000340 |
|---|
Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.
Source: Monroe County records, as of May 4, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 438 CARIBBEAN DR, KEY LARGO, FL 33037-4335 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 23, 2022 · Amount on Record |
| Deed Sale | Aug 23, 2022 · Amount on Record |
| Prior Sale | May 1, 1981 · Amount on Record |
| Deed Document Number | 20222388865 |
| Deed Book / Page | 3190 / 2216 |
| Record Updated | Jun 8, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MONROE FL |
| Recording Date | Aug 23, 2022 |
| Property Address | 438 CARIBBEAN DR, KEY LARGO, FL 33037-4335 |
| Document Number | 0031902216 |
| Book / Page | 3190 / 2216 |
| Map Reference | MB 6 PG 109 |
| Instrument Date | Aug 16, 2022 |
| Instrument | 2388865 |
| Transaction Type | Transfer |
| Record Updated | Sep 20, 2022 |
| Title Company | NOT AVAILABLE, NUNEZ ESTATE LAW & TITLE PA |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $11,550.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 2242 SW 82ND CT, 2242, MIAMI, FL 33155-1245 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 438 CARIBBEAN DR, KEY LARGO, FL 33037-4335 |
| Document Number | 0031902218 |
|---|---|
| Date | Aug 23, 2022 |
| Instrument | 3190/2218 |
| Name | 1ST FINANCIAL INC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Sep 1, 2052 |
Source: Monroe County assessment roll, as of December 8, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Monroe County |
| Unified School District | Monroe County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $14,884.00 (+11.58%) | $1,766,993 (+23.74%) Land $1,154,725 Building $612,268 | $1,766,993 (+23.74%) Land $1,154,725 Building $612,268 |
| 2024 | $13,339.00 (+10.26%) | ||
| 2023 | $12,098.00 (+55.98%) | $1,428,017 (+32.93%) Land $1,017,537 Building $410,480 | $1,428,017 (+32.93%) Land $1,017,537 Building $410,480 |
| 2022 | $7,756.00 | $1,074,222 Land $661,513 Building $412,709 | $1,074,222 Land $661,513 Building $412,709 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
Source: FEMA National Flood Hazard Layer, effective September 24, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone AE high risk |
|---|---|
| 100-Year Floodplain | Yes 1% annual chance |
| Floodway | No |
| Base Flood Elevation | 7.0 ft |
| Flood Insurance Requirement | Required federally backed loans |
| Flood Insurance Cost | Premium on Record median of 595 individual policies |
| Community Rating System | Class 3 (35% premium discount) |
| Nearby Flood Policies | 839 units insured incl. 244 condo units |
| Nearby Flood Claims | 304 (1983–2025) |
| Claims Outside the SFHA | 8 of 304 |
| Most Recent Claim | Oct 2025 · rainfall accumulation |
| Claims by Event |
|
Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Not rated no burnable land within ember reach |
|---|
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 317 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber · DSL · Fixed Wireless in parts of the area | 5,000 / 5,000 |
| Xfinity Cable · Fiber in parts of the area | 2,000 / 250 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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